Personal Minimums
Perhaps its my airline background, or perhaps Im just arrogant. But I would never think of planning an IFR flight unless I felt proficient enough to fly any reasonable approach all the way to published minimums. Sure, something might happen on the day of the flight or even on the way that might cause me to increase the margins a bit-and recognizing and reacting to that is a good thing-but planning to fly and simply excusing a lack of proficiency by increasing minimums seems to miss the point.